Review notice: These terms require approval by the business owner and qualified legal counsel before production advertising begins.
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Educational purpose
This site provides general educational information about life-insurance products. It is not individualized insurance, investment, tax or legal advice. Visitors should evaluate their circumstances with appropriately qualified professionals.
No offer or guarantee
Nothing on the site is an offer to sell or a solicitation in a jurisdiction where an applicable producer is not licensed. Submitting the review form is not an application for insurance and does not guarantee eligibility, pricing, approval or coverage. Any policy is subject to carrier underwriting, product availability and state approval.
Illustrations and non-guaranteed values
Only values identified by an issuing carrier as guaranteed are guaranteed. Illustrations may include non-guaranteed assumptions and are not promises of future performance. Visitors should review carrier-issued guaranteed and non-guaranteed values, charges, limitations and alternatives before applying.
Acceptable use
You agree to provide accurate information about yourself, submit the form only on your own behalf, respect intellectual-property and privacy rights, and not attempt to disrupt, probe, overload, reverse engineer or misuse the site.
Third-party services and links
The site may link to or rely on independent hosting, security, scheduling, analytics or lead-delivery services. A link is not an endorsement, and third parties control their own services, terms and availability.
Website availability
The site may be changed, suspended or unavailable without notice. To the extent permitted by applicable law, no uninterrupted, error-free or universally compatible operation is promised.
Product disclosures
True Cover provides general information about life-insurance products through properly licensed insurance professionals. Insurance products are offered only in jurisdictions where the applicable producer is properly licensed. Availability, policy features, underwriting requirements, premiums and riders vary by carrier and state.
Indexed universal life insurance is a form of permanent life insurance. The policy does not directly invest in a stock-market index. Index-linked interest credits may be subject to caps, participation rates, spreads, floors and other contractual limitations. Policy charges continue to apply and can reduce policy value.
Illustrated values may include both guaranteed and non-guaranteed elements. Non-guaranteed values are not promises of future performance. Policy loans and withdrawals reduce available cash value and death benefits, may require additional premiums and may increase the risk of lapse. A policy lapse or surrender involving gain or outstanding loans may create tax consequences.
Tax treatment depends on individual circumstances, policy structure, policy status and applicable law, which may change. True Cover and its insurance professionals do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your circumstances.
Submitting a website form is not an application for insurance and does not guarantee eligibility, pricing, approval or coverage. True Cover is not affiliated with or endorsed by any hospital, healthcare employer, medical school, government agency or professional association unless expressly stated.
Changes and governing terms
The version above changes when these terms are materially updated. Governing-law, dispute, warranty, liability and business-identity provisions are intentionally not invented here and must be completed by the owner and counsel before these terms are treated as final.